Elevate Your Business:
Banking Designed for Bold Enterprises
ALPHA LAUNCH (UTC-4):
Join the Waitlist to Secure Your Founder-Level* Account at XL Financial.
*as a Founder-Level account client (for either personal or business banking and/or credit), you will receive life-time one-on-one live support and an xl Financial Founder metal debit and/or credit card.
Business Checking and Savings
Business Credit Card
Overdraft
Business Line of Credit
Insurance
Built-in xl Financial Wealth Manager
Built-in BIZ Hub
Optimize your business with complete banking, lending, and money management services, all seamlessly accessed through a dynamic single dashboard for streamlined financial control.
Transparent business checking and savings:
Fee-free solutions.
No monthly fees.
No fees for mobile check deposits.
No overdraft fees.
Free domestic and international wire transfers.
Free ACH transfers.
*on eligible xl Financial Business Banking checking and savings accounts.
Streamline your business finances: Business credit cards & unlimited virtual cards with spend management.
- Higher credit limits*
- Unlimited 1.5% daily cash back.
- Physical metal cards and unlimited virtual cards for instant spend.
- Built-in spend management - admin + multi-user.
- Automated receipt reconciliation.
- No user fees.
- No annual fees.
- No additional card or card replacement fees.
- Does not affect your personal credit score.
- 7-day BIZ Hub Plus trial subscription included.
- 20% off BIZ Hub Pro / Premier subscriptions.
- Unlimited 1.5% daily cash back.
- Physical metal cards and unlimited virtual cards for instant spend.
- Built-in spend management - 1 user.
- Automated receipt reconciliation.
- No annual fees.
- No additional card or card replacement fees.
- Does not affect your personal credit score.
- 7-day BIZ Hub Plus trial subscription included.
- 10% off BIZ Hub Pro / Premier subscriptions.
Business account overdraft protection:
No fees guaranteed.
Rest easy knowing your business account is shielded from unexpected expenses with our fee-free overdraft protection, designed to keep your operations running smoothly.
Turbocharge your treasury:
Earn high interest on idle cash...
5.21% APY*
(Industry average 0.46% APY, 02/20/24)
Experience peace of mind knowing that your money is not only secure but also actively generating substantial returns.
*with eligibility on xl Financial Business savings accounts with xl Invest - Edge.
Learn more
Boost your potential: Customized business line of credit options.
Apply for tailored business lines of credit designed to empower growth and provide flexible financial solutions for your business needs.
Customized business lines of credit tailored to your specific financial requirements.
Flexible repayment options to suit your cash flow and business cycles.
Competitive interest rates ensuring cost-effectiveness in managing your finances.
Dedicated support from financial experts to guide you through the application process and beyond.
Access to additional financial tools and resources to optimize your business's financial health.
Quick approval and funding processes to provide timely access to funds when needed.
Ongoing account monitoring and reviews to ensure your financial solutions remain aligned with your evolving business needs.
Safeguarding your business:
Shielding against uncertainty with insurance coverage.
Explore our comprehensive range of business insurance offerings designed to safeguard your company from various risks and uncertainties. Our tailored solutions include:
- Property Insurance
- Liability Insurance
- Business Interruption Insurance
- Commercial Auto Insurance
- Workers' Compensation Insurance
- Professional Liability Insurance
- Cyber Insurance
- Directors and Officers (D&O) Insurance
- Employment Practices Liability Insurance (EPLI)
- Product Liability Insurance
With our expertise and tailored solutions, you can focus on growing your business with confidence, knowing that you're protected against unforeseen challenges.
Learn more
Customized financial command center:
Take control of your XL Financial and external accounts with a personalized dashboard that puts you in charge.
Eliminate the hassle of switching between multiple bank apps.
Efficiently handle all your banking and financial tasks via a unified dashboard customized to match your preferred level of simplicity or comprehensiveness.
Control spend with advanced rules and built in policies for budgets, limits and approvals.
Automated expense report generation.
Automated review and reconciliation built-in.
Real-time spend reporting.
Close books quickly and accurately through ERP integrations (Quickbooks, Sage, Xero, NetSuite).
Tailor your workflows for expense management, accounts payable and accounting automation.
Admin / user permission controls to manage visibility and functionality throughout your company.
Enhance your financial workflows. Increase efficiency by utilizing real-time data from your bank account to streamline operations.
xl BIZ Hub:
Growth catalyst banking.
Powering businesses with integrated customer management (Cx/CRM) solutions.
Learn more
Automated marketing and sales platform powered by AI.
Lead generation AI-autopilot redefining efficiency in customer acquisition.
Enhanced outreach capabilities for businesses.
Customer pool contact info retrieval.
Marketing content creation.
Email, text and social media communications hub.
AI-driven automated messaging.
Customer quotation, invoicing and payment processing integrated into your xl Financial Business banking.
Cost-effective, fully automated, and user-friendly framework.
Bank with confidence.
Experience peace of mind with our banking platform, fortified by cutting-edge technology and backed by FDIC insurance, ensuring the utmost security for your business accounts.
Fraud monitoring
Our integrated fraud detection tools identify and promptly halt any suspicious activities.
FDIC insurance
Deposits, held in your name and insured by the FDIC, are securely maintained in federally regulated accounts through our banking partners.
Account security
Our secure, industry-standard protocols protect the confidentiality and integrity of your data.
Get Started on Your Path to Financial Success:
Secure Your Founder-Level* Account at XL Financial.
*as a Founder-Level account client (for either personal or business banking and/or credit), you will receive life-time one-on-one live support and an xl Financial Founder metal debit and/or credit card.
ALPHA LAUNCH (UTC-4):
Alata
Alice
Open Sans
Noto Sans
Bebas Neue
Great Vibes
Rock Salt
Exo
Belgrano
Overlock
Cinzel
Indie Flower
Staatliches
Roboto Slab
Lato
Noto Serif
Open Sans
Montserrat
Ubuntu
Rubik
Delius
Amiri
Montserrat
Let's talk...
Email us:
hello@xl.financial
1. Xl Financial is a financial technology company, not a bank. Banking services provided by TBD, Member FDIC.
2. The Xl Financial Debit and Credit Cards are issued by our banking partner pursuant to a license by Mastercard® International or VISA® U.S.A. Inc.
3. If you choose to link your Xl Financial Debit Card to an Xl Financial Community Program. You'll have the option to donate your spare change to any of the active Programs available. Each time you make a transaction with your Xl Financial Debit Card feature in your Xl Financial Checking Account, we'll round up the transaction amount to the nearest whole dollar (from $0.01 to $0.99) for every person who participates in the program. The excess amount will then be transferred to an Xl Financial Community Partner Account. Please note that even-dollar transactions ($xx.00) are not eligible for this service.
4. Out-of-network ATM withdrawal fees apply. Xl Financial will charge an ATM Withdrawal Fee or $2.50, in addition to any fees charged by the ATM operator. Please refer to account terms and conditions.
5. Xl Financial Inc is not a lender. All decisions and terms offered are the responsibility of the participating lenders. Your results will be unique based on the items showing in your credit report, zip code and other factors for certain products and services. Not all consumers will qualify for the advertised rates and certain restrictions may apply depending on the type of loan.
6. Xl Financial Invest Edge Accounts are held at a broker-dealer and qualified custodian TBD, Member SIPC and FINRA. Cash and investments in this account are protected by SIPC up to $500,000, with a limit of $250,000 for cash. For details, please see https://www.sipc.org are held at a broker-dealer and qualified custodian.
7. Investments in securities are Not FDIC Insured, Not Bank Guaranteed and May Lose Value
8. Investment advisory services are provided by Xl Financial Investment Advisory, LLC, an SEC registered investment adviser. Brokerage services are provided by DriveWealth LLC, member FINRA/SIPC.
9. Xl Financial Invest Edge, by Xl Financial Advisory, LLC, an SEC-registered investment adviser, seeks to earn net returns up to 5.43% annually on your idle cash. Net yield numbers as of 03/04/2024, and assumes total Xl Financial deposits of $20M+.
10. Xl Financial Invest Edge, by Xl Financial Advisory, LLC, an SEC-registered investment advisor. Registration with the SEC does not imply a certain level of skill or training. SEC registration does not mean the SEC has approved of the services of the investment adviser.
11. Xl Financial Advisory, LLC (the “Firm”) is an investment management firm that offers a wrap fee program that allows small businesses to invest idle cash in relatively low-risk, short-term instruments. The performance discussed herein is historic and reflects an investment for a limited period of time. It should not be assumed that future investors would experience returns, if any, comparable to those illustrated herein. Past performance is not indicative of future returns. Investment results will fluctuate. Returns are not guaranteed. All investments are subject to the risk of loss, including the loss of principal. No representation is being made that an investment account has, will, or is likely to achieve profits or losses equal to the profits or losses shown. Actual returns will vary greatly and depend on personal and market conditions. Before investing, consider your financial goals and the costs of using the program.
12. Furthermore, the information set forth has been obtained from sources that the Firm believes to be reliable; however, these sources cannot be guaranteed as to their accuracy or completeness. The information contained herein is not, and should not be construed as, an offer to sell or the solicitation of an offer to buy any securities. The information has been prepared solely for the purpose of determining your level of interest in Xl Financial Treasury and to provide general background information on such algorithmic investment program.
13. This information contains certain “forward-looking statements,” which may be identified by the use of such words as “believe,” “expect,” “anticipate,” “should,” “planned,” “estimated,” “potential” and other similar terms. Examples of forward-looking statements include, but are not limited to, estimates with respect to financial condition, results of operations, and success or lack of success of the depicted investment strategy. All are subject to various factors, including, but not limited to general and local economic conditions, changing levels of competition within certain industries and markets, changes in interest rates, changes in legislation or regulation, and other economic, competitive, governmental, regulatory and technological factors affecting operations that could cause actual results to differ materially from projected results.
14. Targeted returns (e.g., forward-looking statements of performance up to a stated return) reflects the returns that the Firm is seeking to achieve over a particular period of time. Projected returns reflect the Firm’s performance estimate – i.e., the returns that the Firm believes can be achieved using the advertised investment services. Target returns are presented to inform clients or potential clients about the Firm’s risk tolerances when managing the Xl Financial Invest Edge strategy and to provide information useful to a client or potential client when assessing how the Firm’s strategy fits within the investor’s overall portfolio. Target returns are not guarantees or promises of future return.
15. Xl Financial Invest Edge is not insured by the FDIC. Xl Financial Invest Edge are not deposits or other obligations of our sponsor bank, and are not guaranteed by them. Xl Financial Invest Edge products are subject to investment risks, including possible loss of the principal invested.
16. To receive cash-back, your Xl Financial accounts must be open and in good standing, meaning they cannot be suspended, restricted, past due, or otherwise in default.
17. Deposits in Xl Financial checking and savings accounts are held by our partner bank TBD, Member FDIC.
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